{"id":1883433,"date":"2026-04-15T10:00:00","date_gmt":"2026-04-15T07:00:00","guid":{"rendered":"https:\/\/analyse.optim.biz\/?p=1883433"},"modified":"2026-04-15T10:00:00","modified_gmt":"2026-04-15T07:00:00","slug":"bancile-isi-schimba-strategia-dobanzile-la-depozitele-la-termen-pe-scadente-mai-mici-le-depasesc-pe","status":"publish","type":"post","link":"https:\/\/analyse.optim.biz\/?p=1883433","title":{"rendered":"B\u0103ncile \u00ee\u015fi schimb\u0103 strategia. Dob\u00e2nzile la depozitele la termen pe scaden\u0163e mai mici le dep\u0103\u015fesc pe"},"content":{"rendered":"

[analyse_image type=”featured” src=”https:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23124385\/1\/profimedia-0519469262.jpghttps:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23124385\/1\/profimedia-0519469262.jpg”]<\/p>\n

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\u2666\u00a0<\/span>De\u015fi b\u0103ncile \u015fi-au ajustat de-a lungul timpului dob\u00e2nzile oferite la depozitele la termen, acestea vin periodic cu oferte promo\u0163ionale de dob\u00e2nzi mai mari la depozite, constituite \u00een anumite condi\u0163ii\u00a0<\/strong>\u2666\u00a0<\/span>Un exemplu este cel al BCR, care a s\u0103rit de la 4,20% dob\u00e2nd\u0103 oferit\u0103 pentru scaden\u0163a de 6 luni, ajung\u00e2nd la o dob\u00e2nd\u0103 de 6,20% pentru o perioad\u0103 de 5 luni\u00a0<\/strong>\u2666\u00a0<\/span>Un alt exemplu este cel al CEC Bank care ofer\u0103 6,10% pentru o perioad\u0103 de 5 luni, de la 4,95% oferta standard pentru scaden\u0163a de 6 luni.<\/strong><\/p>\n

\nB\u0103ncile au \u00eenceput s\u0103 \u00ee\u015fi schimbe strategia privind depozitele la termen pentru persoanele fizice. Av\u00e2nd \u00een vedere c\u0103 lichiditate exist\u0103 \u00een pia\u0163\u0103, motivul pentru care b\u0103ncile nu pot merge mai sus cu dob\u00e2nzile la depozite este \u015fi faptul c\u0103 dob\u00e2nda de referin\u0163\u0103 stabilit\u0103 de BNR se afl\u0103 la un nivel de 6,50%, ceea ce \u00eenseamn\u0103 c\u0103 nu au cum s\u0103 mearg\u0103 peste acest prag. Totu\u015fi, \u00een pia\u0163\u0103 exist\u0103 o oarecare mi\u015fcare, aceasta fiind mai mult bazat\u0103 pe captarea de clien\u0163i prin oferte promo\u0163ionale, dar exist\u0103 \u015fi o reorganizare a ofertelor.<\/p>\n

\nDe\u015fi ofertele b\u0103ncilor au \u00eenceput s\u0103 fie pu\u0163in mai mult orientate mai degrab\u0103 c\u0103tre scaden\u0163e mici, acesta fiind efectul contextului dificil \u015fi al vremurilor de incertitudini, \u00een care clien\u0163ii simt nevoia s\u0103 poat\u0103 s\u0103 utilizeze banii oric\u00e2nd, la nevoie, exist\u0103 \u015fi scaden\u0163e speciale eviden\u0163iate de b\u0103nci prin oferte.<\/p>\n

\nUn exemplu este cel al BCR, care de\u015fi pe scaden\u0163a de 6 luni are o dob\u00e2nd\u0103 de 4,20% pentru depozitul la termen pentru persoane fizice, ofer\u0103 o dob\u00e2nd\u0103 de 6,20% pentru o perioad\u0103 de 5 luni. \u00cen cazul CEC Bank, oferta promo\u0163ional\u0103 este tot pentru o scaden\u0163\u0103 de 5 luni, iar dob\u00e2nda este de 6,10%, de la 4,95% c\u00e2t este standard, iar \u00een cazul ING Bank, oferta este pentru o scaden\u0163\u0103 de 4 luni, iar dob\u00e2nda este de 6%, \u00eens\u0103 pentru a beneficia de aceste dob\u00e2nzi clien\u0163ii trebuie s\u0103 \u00eendeplineasc\u0103 anumite condi\u0163ii.<\/p>\n<\/div>\n

[analyse_source url=”https:\/\/www.zf.ro\/banci-si-asigurari\/bancile-isi-schimba-strategia-dobanzile-depozitele-termen-scadente-23124385″]<\/p>\n","protected":false},"excerpt":{"rendered":"

[analyse_image type=”featured” src=”https:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23124385\/1\/profimedia-0519469262.jpghttps:\/\/storage0.dms.mpinteractiv.ro\/media\/1\/1481\/22466\/23124385\/1\/profimedia-0519469262.jpg”] \u2666\u00a0De\u015fi b\u0103ncile \u015fi-au ajustat de-a lungul timpului dob\u00e2nzile oferite la depozitele la termen, acestea vin periodic cu oferte promo\u0163ionale de dob\u00e2nzi mai mari la depozite, constituite \u00een anumite condi\u0163ii\u00a0\u2666\u00a0Un exemplu este cel al BCR, care a s\u0103rit de la 4,20% dob\u00e2nd\u0103 oferit\u0103 pentru scaden\u0163a de 6 luni, ajung\u00e2nd la o dob\u00e2nd\u0103 de […]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[89],"tags":[226,28],"class_list":["post-1883433","post","type-post","status-publish","format-standard","hentry","category-romania","tag-crawlmanager","tag-zf-ro"],"_links":{"self":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1883433","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=1883433"}],"version-history":[{"count":0,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=\/wp\/v2\/posts\/1883433\/revisions"}],"wp:attachment":[{"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=1883433"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=1883433"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/analyse.optim.biz\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=1883433"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}